Private Health Insurance with Mental Health Cover
Some insurance companies include mental health as standard, but in most cases, you will need to add it to your policy. We compare quotes from all UK providers to find the best plan in terms of your needs and your budget.
Mental health insurance option
Millions of people suffer from mental health issues at some point in their lives and, fortunately, many private medical insurance providers cover the cost of access to private mental health services. Although the NHS offers care and treatment for mental health conditions, waiting lists are often very long, with patients sometimes needing to wait months or even years to get the right assistance. You will receive care much quicker with private mental health cover.
What is mental health cover?
Mental health insurance can cover a range of conditions such as anxiety, depression, PTSD, and substance abuse. The services you are eligible for will vary between providers, but these are some examples:
- Private psychologists, counsellors and psychiatrists
- Mental health assessments
- Access to 24-hour support
- Tailored treatment plans
- Rehabilitation services, such as counselling and cognitive behavioural therapy
It is important to understand all the details of your policy and to be aware of any exclusions. We offer free, professional advice to help you secure a policy that meets all of your needs.
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Find the best private mental health insurance with Clarity Health Insurance
Every policy offers different cover, so the right mental health plan varies from person to person. For example, a private health insurance policy that automatically encompasses mental health may suffice if you believe you will only need minimal coverage. However, for more comprehensive protection, you will have to pay more. Some providers also exclude particular conditions and services that may be important to you.
To make sure your needs are met, we will first talk through your health history, requirements, and any existing policies you already have in place. Our specialists will offer impartial advice, comparing all UK health insurance providers to ensure that, whether you are looking for individual, family or company cover, you will have the best possible private mental health insurance.
Mental health insurance costs
The cost of mental health insurance depends on a number of factors including age, location and lifestyle. For this reason, we cannot give you a figure without the information providers use to set their price. Contact us for free quotes and advice on getting you the best coverage you can afford.
Health insurance for pre existing mental health conditions
You will have to disclose any previous diagnoses when applying for health insurance, including mental health conditions. Not all companies cover pre-existing mental health conditions, but there are some specialist providers who do. It is very important to thoroughly check the details of any policies you are considering, and compare options to get the best price. Please contact us for additional advice on this.
Get professional advice on mental health insurance
Whether this is your first time getting insured or you are upgrading your existing policy, seeking advice is invaluable. Not only does this give you access to someone who can explain the options available and make sure you understand all the details, you will also be more likely to secure a better, lower price for your premium.
Advisers can also review your current policies and see whether you can get a better deal elsewhere. We know that you may feel nervous discussing mental health concerns with a stranger, but our team has years of experience dealing with medical conditions, and will address your queries in a professional, sensitive manner. Get in touch now for all the guidance you need.
The key benefits of private mental health insurance
Mental health conditions can happen at any time. Whether it is brought on by a period of stress or negative experiences, or comes completely out of the blue, a mental health episode can have a huge impact on your family and work life. Waiting for the right treatment or an accurate diagnosis can cause a lot of anguish and upset.
While NHS healthcare is great, the long waiting time to get treatment can be a problem, and can stop you getting back to your best. This can lead to added stress on your family and worklife. Private mental health insurance can get you access to mental health professionals when and where you need it. So you know you will soon be on the road to recovery and can look forward to having good mental health.
Mental health insurance for family members
Depending on the type of coverage you go for, private health insurance can also cover your family members should they suffer a mental health condition that requires treatment. This will be arranged at the start of the package, so you can tailor the protection to cover both your and your family’s requirements. The provider will need to learn more about your family and their health history before providing you with a quote. Speak to one of our advisers and they will be able to find a package that gives the protection for your family that you desire.
Mental health appointments can be face-to-face or online
The priority will be to get you an appointment as quickly as possible in a format that suits your requirements. It may be easier to find an online appointment, but if your preference is a face-to-face session, then your private healthcare provider will do what they can to facilitate this. It will depend on your package, as it may be cheaper to choose an option that solely provides digital appointments. That’s why it is important you discuss your options with one of our advisers before you apply, so you can find the right coverage for you.